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AT&T Employees Federal Credit Union

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AT&T Employees Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, AT&T Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

AT&T Employees Federal Credit Union's top rate as of October 13, 2026 is personal loans from 10.00% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of AT&T Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.41%. Rates last updated and verified on 10/13/2026.

AT&T Employees Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at AT&T Employees Federal Credit Union? Share your experience about AT&T Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use AT&T Employees Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.41%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

AT&T Employees Federal Credit Union
AT&T Empl. Pgh. PA FCU

635 Grant St
Pittsburgh, PA 15219-4404

https://www.attpghfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

AT&T Employees Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity	6.25%	-	6.25%	5 Years
Details Includes a discount for Auto-pay. All fees waived except County Recording Fee provided loan remains outstanding 36 months. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Home Equity	6.75%	-	6.75%	10 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Home Equity	7.75%	-	7.75%	15 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Home Equity	8.50%	-	8.50%	20 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%

AT&T Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos & Motorcycles	4.75%	-	4.75%	12 - 36 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
New Autos & Motorcycles	5.00%	-	5.00%	37 - 48 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
New Autos & Motorcycles	5.50%	-	5.50%	49 - 60 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Used Autos & Motorcycles	5.50%	-	5.50%	12 - 36 Months
Details Model years 2019 - 2025 over 10K miles Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
New Autos & Motorcycles	6.00%	-	6.00%	61 - 72 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Used Autos & Motorcycles	6.00%	-	6.00%	37 - 60 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
New Autos & Motorcycles	6.50%	-	6.50%	73 - 84 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Used Autos & Motorcycles	6.75%	-	6.75%	61 - 72 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Boats, Antique Autos 20+ Years Old, Quads, Dirt Bikes & Travel Trailers	7.00%	-	7.00%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Used Autos & Motorcycles	7.25%	-	7.25%	73 - 84 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Boats, Antique Autos 20+ Years Old, Quads, Dirt Bikes & Travel Trailers	7.50%	-	7.50%
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 7.00% → 7.50% ▲ 0.50 pts · high 7.50% / low 7.00% Oct 8, 20267.50%▲ from 7.00% Sep 25, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Used Autos & Motorcycles	7.50%	-	7.50%	12 - 60 Months
Details Model years 2018 or older Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Used Autos & Motorcycles	8.00%	-	8.00%	61 - 72 Months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.75% → 8.00% ▲ 1.25 pts · high 8.00% / low 6.75% Oct 8, 20268.00%▲ from 6.75% Sep 16, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%

AT&T Employees Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature / Co-Maker Closed-End Loan	10.00%	12 - 48 Months
Details Includes a discount for Auto-pay Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Signature / Co-Maker Closed-End Loan	11.00%	60 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Signature / Co-Maker Closed-End Loan	12.00%	72 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%

AT&T Employees Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
EZ Loan	18.00%	-	18.00%	5 Months
Details Auto-Pay Required & Maintain $50 Share Deposit - No Credit Report Required $20 Application Fee Maximum $500 Loan must be paid in full prior to getting a new loan; maximum three loans within a 12-month period. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 18.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Halloween Loan	15.00%	-	15.00%	6 - 12 Months
Details Direct Deposit with Auto-Pay Required & Maintain $100 Share Deposit - No Credit Report Required $500 - $1,500 based on Credit Union History Available: October 1st - November 30th Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 15.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Share accounts	0.008%	-	0.008%
Min Balance $101 Details Dividend Rates for the 4th Quarter 2025 Last Updated 10/12/2026 Rate History 2 changes since Sep 25, 2026 · 0.01% → 0.01% ▼ 0.00 pts · high 0.01% / low 0.01% Oct 12, 20260.01%▼ from 0.01% Oct 4, 20260.01%▲ from 0.01% Sep 25, 20260.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

AT&T Employees Federal Credit Union’s Texas Ratio stayed near 0.45% in Q3 2023 to 0.41% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$10M	0.41%	5.0	A+
March 31, 2026	$10M	0.73%	5.0	A+
December 31, 2025	$10M	0.00%	5.0	A+
September 30, 2025	$10M	0.00%	5.0	A+
June 30, 2025	$10M	0.38%	5.0	A+
March 31, 2025	$10M	0.18%	5.0	A+
December 31, 2024	$10M	0.00%	5.0	A+
September 30, 2024	$10M	0.00%	5.0	A+
June 30, 2024	$10M	0.00%	5.0	A+
March 31, 2024	$10M	0.00%	5.0	A+
December 31, 2023	$10M	0.00%	5.0	A+
September 30, 2023	$10M	0.45%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for AT&T Employees Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather AT&T Employees Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with AT&T Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name AT&T Employees Federal Credit Union

Website https://www.attpghfcu.com

Address 635 Grant St, Pittsburgh, PA 15219-4404

Phone 412-585-8782

Fax 412-227-7212

President John Zwilcher Jr.

CEO Mia Seidner

Full-Time Employees 2

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.41%

Return on Assets (ROA)

0.1714%

Return on Equity (ROE)

0.5781%

Non-Performing Loans Ratio (NPL)

0.41%

Total Assets

9,626,266

Total Amount of Shares and Deposits

6,718,652

Total Shares and Deposits < 1 Year

6,718,650

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,961

Total Uninsured Shares and Deposits > $250K (F+J)

3,961

Total Insured Shares and Deposits > $250K (item 17 less item K)

6,714,691

Total Interest Expense (Sum of items 6 8)

45,632

Share Certificates

Number of Accounts for Share Drafts

216

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,006

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

864,024

Total Liabilities

6,772,019

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

AT&T Employees Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About AT&T Employees Federal Credit Union

How many branches does AT&T Employees Federal Credit Union operate?

AT&T Employees Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join AT&T Employees Federal Credit Union?

Yes, to access services at AT&T Employees Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, AT&T Employees Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, AT&T Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does AT&T Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like AT&T Employees Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.attpghfcu.com.